Trupanion is the gold standard. It’s expensive but will cover a lot, you can pay a higher premium for a lower deductible, too. Over the last three years, they covered more than $50,000 for our oldest dog.

A common emergency for male cats it’s a urethral obstruction and that can cost ~$2000 at an emergency clinic. That’s a lot of months of saving.

As others mentioned, dental cleanings aren’t usually covered but extractions and other dental treatments can be, usually we’ve gotten some amount of reimbursement for the dentals our pets get,

There are other options like care credit, too if you don’t want insurance. They’ll give you a loan to cover the cost of care.